What is Q2 Holdings, Inc.'s Shariah compliance score?

Q2 Holdings, Inc. (QTWO) has a Shariah compliance score of 68/100 (Grade: B, Acceptable) based on AAOIFI screening standards. Scores above 70 typically indicate strong compliance. The score factors in business activity screening and financial ratio analysis including debt levels, interest-bearing deposits, and prohibited income percentages. View the full breakdown at HalalScreener.app.

Does Q2 Holdings, Inc. pass AAOIFI screening?

Q2 Holdings, Inc. (QTWO) passes AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (QTWO: 10.1%), (3) interest-bearing deposits below 30% (QTWO: 12.6%), and (4) prohibited income below 5% (QTWO: 2.7%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Q2 Holdings, Inc. stock?

Q2 Holdings, Inc. (QTWO) has a non-permissible income ratio of 2.67%. Muslim investors should purify this percentage of any dividends received and capital gains realized from QTWO shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Q2 Holdings, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Q2 Holdings, Inc. (QTWO) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about QTWO's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

QTWO: Is Q2 Holdings, Inc. Halal?

Q2 Holdings, Inc.

NYSETechnologyUS

$52.63

+4.84%

Market Cap: 3.3B

Compliance Status

Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Acceptable

68Score

Is Q2 Holdings, Inc. (QTWO) halal? Halal. Based on AAOIFI screening, Q2 Holdings, Inc. passes both qualitative (business activity) and quantitative (financial ratio) screens with a compliance score of 68/100 (Grade: B).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

10.1% of 30.0% limit

What this means for you

You can own QTWO

It passes both the business activity and financial ratio screens under AAOIFI Standard 21.

Purify 2.7% of your income from QTWO

That is about $2.70 of every $100 you earn from it. Donate this share to charity.

Calculate my exact amount

About Q2 Holdings, Inc.

Q2 Holdings, Inc. provides a comprehensive array of cloud-based digital banking platforms, primarily serving regional and community financial institutions (RCFIs) across the United States. Its extensive product lineup covers various facets of digital finance. For consumers, the company offers Q2 Consumer Banking, a browser-accessible solution featuring fully branded digital banking capabilities. Businesses, both small and commercial, can utilize Q2 Small Business and Commercial, a dedicated digital banking platform optimized for mobile and tablet devices. Furthermore, Q2mobile Remote Deposit Capture streamlines the process of depositing checks remotely. Beyond core banking functionality, Q2 also delivers specialized solutions. These include Q2 Sentinel for advanced security analytics and Q2 Patrol, an event-driven validation product. To enhance customer engagement, Q2 provides the SMART platform for targeting and messaging. Q2 CardSwap facilitates automatic updates of payment information for account holders receiving new cards, while Q2 Gro serves as a versatile platform for digital account opening, sales, and marketing. For bill payments, there's Q2 Biller Direct, and ClickSWITCH empowers financial institutions to manage and redirect direct deposits for end-users. The company's portfolio extends to robust risk and transaction management tools under the Centrix brand: a Dispute Tracking System for electronic transaction dispute resolution, a Payments I.Q. System for monitoring ACH files and reporting on risks, and an Exact/Transaction Management System designed for fraud prevention. Developers are also supported by the Q2 Caliper Software Development Kit. Enhancing personal financial management, Q2 Contextual PFM allows users to integrate and view both external and internal accounts directly on their digital banking homepage. Q2 Goals assists users in establishing and progressing towards specific savings objectives. Lending and leasing operations are supported by Q2 Cloud Lending, a digital platform, and PrecisionLender, a cloud-native, data-driven solution for sales enablement, pricing, and portfolio management. Additionally, Q2 BaaS offers a suite of open API financial services. Founded in 2004 and headquartered in Austin, Texas, the company originally operated as CBG Holdings, Inc. before changing its name to Q2 Holdings, Inc. in March 2013.

Sector: Technology · Industry: Software - Application

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Compliance History

Halalnow
since Jun 2026
Not Halal
until the change above
Halal
until the change above

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

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Frequently Asked Questions

Is Q2 Holdings, Inc. (QTWO) halal to invest in?

Based on AAOIFI Standard 21 screening, Q2 Holdings, Inc. (QTWO) is rated Halal with a compliance grade of B (Acceptable). It passes both the business activity screen (no primary involvement in prohibited sectors) and the quantitative financial ratio screen (debt, interest deposits, and prohibited income all below AAOIFI thresholds).

Why did Q2 Holdings, Inc. get a B compliance rating?

Q2 Holdings, Inc. (QTWO) received a grade of B (Acceptable) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 10.1% (limit 30%); interest-bearing deposits of 12.6% (limit 30%); prohibited income of 2.67% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Q2 Holdings, Inc.'s Shariah verdict?

Q2 Holdings, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Q2 Holdings, Inc. re-screened for Shariah compliance?

Q2 Holdings, Inc. (QTWO) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.